EffectiveSoft

EffectiveSoft builds modular payment platforms, trading terminals and white-label processing systems for fintech. It has offices in San Diego, United States and Warsaw, Poland, and was founded in 2003.

Services and technology The areas include Payment Gateway Software, Trading and Brokerage Tech, KYC/AML modules, Mobile Wallets and ISO 20022. This is a development company rather than a ready SaaS processor: it creates a platform to the client's specification.

IP transfer The company states that it hands over full rights to the source code of the payment gateway it creates, so the client owns the result and is not tied to a vendor licence.

Clients and markets Target customers are fintechs, brokers, banks, PSPs and wealth management firms. Stated geography is the United States, Europe and the Middle East.

Commercial model Work is done as custom development with IP transfer. Cost depends on scope, timelines and the team assembled for the project.

Who it suits Companies that want their own gateway or brokerage platform and prefer to own the code, and have the capacity to maintain and operate it after delivery.